Ashtabula, OH · Charter 61410
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -0.35% | -0.09% | 0.06% | -0.05% | 0.53% | -0.03% | -0.42% | -48 bps | |
| Return on Equity | 0.44% | -2.11% | -0.52% | 0.35% | -0.29% | 2.95% | -0.19% | -2.27% | -262 bps | |
| Net Interest Margin | 3.48% | 3.28% | 3.39% | 3.56% | 3.69% | 3.66% | 4.04% | 4.21% | +66 bps | |
| Efficiency Ratio | 92.61% | 108.00% | 95.32% | 94.22% | 93.74% | 88.14% | 81.55% | 76.19% | -1,803 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | 0.27% | 2.41% | -3.80% | -6.25% | -5.90% | -8.21% | -6.47% | -267 bps | |
| Loan Growth (YoY) | 3.72% | 2.44% | 13.34% | 12.41% | 11.46% | 15.29% | 1.95% | 0.37% | -1,204 bps | |
| Share Growth (YoY) | 6.34% | 0.52% | 3.11% | -4.41% | -7.41% | -7.34% | -9.81% | -7.37% | -296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 1.57% | 0.95% | 1.03% | 1.97% | 1.10% | 2.26% | 2.13% | +110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.36% | 0.28% | 0.12% | 0.27% | 0.06% | 0.00% | 0.99% | +87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.12% | 16.65% | 16.90% | 17.72% | 18.20% | 17.85% | 18.38% | 18.51% | +79 bps | |
| Net Worth / Assets | 17.12% | 16.65% | 16.90% | 17.72% | 18.20% | 17.85% | 18.38% | 18.51% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.33% | 69.32% | 77.15% | 82.93% | 85.86% | 86.24% | 87.20% | 89.87% | +694 bps | |
| Liquid Assets / Assets | 23.08% | 18.05% | 28.28% | 22.04% | 24.05% | 22.64% | 20.62% | 21.66% | -38 bps | |